Resources
This page contains many of the supported values and resources for ACH payment parameters.
Beneficiary bank codes
A beneficiary bank code identifies a beneficiary's bank.
If available, the following table contains links to each country’s supported beneficiary bank codes for ACH.
If unavailable, the table provides a static list of each country’s supported beneficiary bank codes and their corresponding banks for ACH. J.P. Morgan may periodically update these lists to ensure that they're current, but they could change between updates.
Region |
Country |
Beneficiary bank code |
Corresponding bank (when applicable) |
|---|---|---|---|
Europe, the Middle East, and Africa (EMEA) |
Single Euro Payments Area (SEPA) |
||
United Kingdom |
|||
Latin America (LATAM) |
Chile |
0001 |
Banco de Chile |
0009 |
Banco Internacional |
||
0012 |
BancoEstado |
||
0014 |
Scotiabank 0014 |
||
0016 |
Banco Credito e Inversiones |
||
0027 |
CorpBanca |
||
0028 |
BICE |
||
0031 |
HSBC Bank Chile |
||
0037 |
Santander |
||
0039 |
Banco Itau Chile |
||
0049 |
Security |
||
0051 |
Banco Falabella |
||
0053 |
Banco Ripley |
||
0055 |
Banco Consorcio |
||
0504 |
Scotiabank Azul |
||
0507 |
Desarrollo |
||
0672 |
Coopeuch |
||
0729 |
Prepago Los Héroes |
||
0730 |
Tenpo Prepago |
||
0732 |
TAPP |
||
0741 |
COPEC PAY |
||
North America (NA) |
Canada |
||
United States |
Currency codes
A currency code identifies a value's currency.
The following table contains each country’s supported currency code or codes for ACH:
Region |
Country |
Currency code |
|---|---|---|
EMEA |
SEPA |
EUR |
United Kingdom |
GBP |
|
LATAM |
Chile |
CLP |
NA |
Canada |
|
United States |
USD |
Cutoff times and settlement dates
A cutoff time identifies the deadline to submit a payment so that it settles on the corresponding settlement date.
The following table contains each country’s supported cutoff time or times and corresponding settlement date or dates for ACH:
Region |
Country |
Cutoff time |
Corresponding settlement date |
|---|---|---|---|
EMEA |
SEPA |
14:00 CET for credits |
Same business day |
|
Next business day |
||
United Kingdom |
19:00 BST |
Second business day |
|
LATAM |
Chile |
16:00 local time |
Next business day |
NA |
Canada |
|
Same business day |
04:00 local time for USD payments |
Next business day |
||
| 13:00 local time for CAD payments | Same business day | ||
18:00 local time for CAD payments |
Same or next business day |
||
United States |
|
Same business day |
|
|
Next business day |
Duplicate logic
An ACH payment is irrevocable. If the same payment is sent twice, the status of the original payment is returned with the original paymentId. To confirm the status of any transaction, get the status of an ACH payment.
Duplicate transactions
The Global Payments API supports the ability for idempotent calls, which is useful when you initiate a payment, create a client, make a change, or retry a failed request for some reason, such as a network issue.
If an ACH payment has the same endToEndId as another ACH payment within a specified timeframe, the Global Payments API deems it duplicative.
The following table contains each country's specified timeframe:
| Region | Country | Timeframe |
|---|---|---|
| EMEA | SEPA | 60 days |
LATAM |
Chile |
60 days |
| NA |
|
60 days |
| Varies | All others | 6 months to 1 year depending on client configuration setup |
Purpose codes
A purpose code identifies a payment's purpose.
If available, the following table contains links to each country’s supported purpose codes for ACH.
If unavailable, the table provides a static list of each country’s supported purpose codes and their descriptions for ACH. J.P. Morgan may periodically update these lists to ensure that they're current, but they could change between updates.
Region |
Country |
Purpose code |
Description (if necessary) |
|---|---|---|---|
| EMEA | SEPA |
||
United Kingdom |
N/A |
||
| LATAM | Chile |
|
Salary for Rol Único Tributario (RUT) lower than 50,000,000 |
|
Advances for RUT lower than 50,000,000 |
||
|
Fees for RUT lower than 50,000,000 |
||
|
Profit share for RUT lower than 50,000,000 |
||
|
Commissions for RUT lower than 50,000,000 |
||
|
Premiums for RUT lower than 50,000,000 |
||
|
Holiday bonuses for RUT lower than 50,000,000 |
||
|
Confidential payroll for RUT lower than 50,000,000 |
||
|
Per diems for RUT lower than 50,000,000 |
||
|
Overtime for RUT lower than 50,000,000 |
||
|
Resettlement for RUT lower than 50,000,000 |
||
|
Wages for RUT lower than 50,000,000 |
||
|
Los Heroes Equalization Fund Benefit for RUT lower than 50,000,000 |
||
|
Bonus for RUT lower than 50,000,000 |
||
|
Pensions for RUT lower than 50,000,000 |
||
|
Annuities for RUT lower than 50,000,000 |
||
|
Retirement or Social Security advance for RUT lower than 50,000,000 |
||
|
Alimony for RUT lower than 50,000,000 |
||
|
Insurance-company pensions for RUT 50,000,000 or higher |
||
|
Social Security |
||
|
Subsidies |
||
|
Education bonus |
||
|
Health insurance (Payment to health-maintenance organizations or HMOs) |
||
|
Governmental |
||
|
Property and casualty insurance |
||
|
Fire insurance |
||
|
Freight insurance |
||
|
Theft insurance |
||
|
Vehicle insurance |
||
|
Mandatory automobile insurance |
||
|
Personal accident insurance |
||
|
Credit insurance |
||
|
Temporary insurance |
||
|
Life insurance |
||
|
Dividends |
||
|
Mutual funds |
||
|
Social-Security and health-insurance payments |
||
|
Payment of amounts outstanding |
||
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Medical services |
||
|
Confirming suppliers |
||
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Benefits |
||
|
Payments to customers |
||
|
Parking |
||
|
Payment to type 1 supplier |
||
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Payment to type 2 supplier |
||
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Payment to type 3 supplier |
||
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Payment to type 4 supplier |
||
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Payment to type 5 supplier |
||
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Payment to type 6 supplier |
||
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Refund |
||
|
Court withholding |
||
|
Credit payment |
||
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Medical leave |
||
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Leases |
||
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Payment of time deposit |
||
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Severance payment |
||
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Payment of financial claims |
||
|
Society for Worldwide Interbank Financial Telecommunication (SWIFT) payment |
||
|
Company loan |
||
|
Dynamic-currency-conversion (DCC) payments to businesses |
||
|
Employer collections |
||
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Sales subscription |
||
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Transbank debit and credit payments |
||
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State bonuses and benefits |
||
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Cencosud debit purchase return |
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Jumbo debit purchase return |
||
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Santa Isabel debit purchase return |
||
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Paris debit purchase return |
||
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Easy debit purchase return |
||
|
Payment service provider (PSP) pay-per-instruction |
||
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Return purchase in lider.cl |
||
|
Payment QR REDPAY |
||
|
Refund Enel Distribución Chile SA |
||
|
Latin America (LATAM) shipping-fees return |
||
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Transfer from Banco de Chile for RUT lower than 50,000,000 |
||
|
Transfer from Banco del Estado for RUT lower than 50,000,000 |
||
|
Transfer from Scotiabank for RUT lower than 50,000,000 |
||
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Transfer from Banco Crédito for RUT lower than 50,000,000 |
||
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Transfer from Corp Banca for RUT lower than 50,000,000 |
||
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Transfer from Banco BICE for RUT lower than 50,000,000 |
||
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Transfer from Citibank for RUT lower than 50,000,000 |
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Transfer from Banco Santander for RUT lower than 50,000,000 |
||
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Transfer from Bank Boston for RUT lower than 50,000,000 |
||
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Transfer from Banco Security for RUT lower than 50,000,000 |
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Transfer from Banco BBVA for RUT lower than 50,000,000 |
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Transfer from Banco del Desarrollo for RUT lower than 50,000,000 |
||
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Transfer from TBANC for RUT lower than 50,000,000 |
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Transfer from Banco Falabella for RUT lower than 50,000,000 |
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Transfer from Banco Internacional for RUT lower than 50,000,000 |
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Transfer from Banco HSBC for RUT lower than 50,000,000 |
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Transfer from Banco Consorcio for RUT lower than 50,000,000 |
||
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Transfer from Banco J.P. Morgan for RUT lower than 50,000,000 |
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Transfer from Banco Tenpo for RUT lower than 50,000,000 |
||
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Transfer from Banco de Chile for RUT 50,000,000 or higher |
||
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Transfer from Banco del Estado for RUT 50,000,000 or higher |
||
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Transfer from Scotiabank for RUT 50,000,000 or higher |
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Transfer from Banco Crédito for RUT 50,000,000 or higher |
||
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Transfer from Corp Banca for RUT 50,000,000 or higher |
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Transfer from Banco BICE for RUT 50,000,000 or higher |
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Transfer from Citibank for RUT 50,000,000 or higher |
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Transfer from Banco Santander for RUT 50,000,000 or higher |
||
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Transfer from Bank Boston for RUT 50,000,000 or higher |
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Transfer from Banco Security for RUT 50,000,000 or higher |
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Transfer from Banco BBVA for RUT 50,000,000 or higher |
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Transfer from Banco del Desarrollo for RUT 50,000,000 or higher |
||
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Transfer from TBANC for RUT 50,000,000 or higher |
||
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Transfer from Banco Falabella for RUT 50,000,000 or higher |
||
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Transfer from Banco Internacional for RUT 50,000,000 or higher |
||
|
Transfer from Banco HSBC for RUT 50,000,000 or higher |
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Transfer from Banco Consorcio for RUT 50,000,000 or higher |
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Transfer from Banco J.P. Morgan for RUT 50,000,000 or higher |
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Transfer from Banco Tenpo for RUT 50,000,000 or higher |
||
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Payment to pension-fund manager (AFP) |
||
|
Portability payment |
||
|
Portability return |
||
NA |
Canada |
||
United States |
Sanctions screening
J.P. Morgan screens the remittance information and ultimate debtor information to comply with United States Office of Foreign Assets Control (OFAC) regulations, applicable non-United States sanctions, and national and international anti-terrorism laws.
Status responses
A status response identifies a payment’s status. A status response includes one or more sub-status responses that provide more information about a payment's status.
The following table provides the statuses, sub-statuses, and their descriptions for ACH:
Status |
Sub-status |
Description |
|---|---|---|
|
|
The payment was received and will process accordingly. |
|
|
The payment was accepted at the initiation layer. |
|
|
The payment is pending an internal review by J.P. Morgan. |
|
The payment is scheduled for future execution. |
|
|
|
The payment was rejected by J.P. Morgan. |
|
|
The payment was fully processed by J.P. Morgan and the necessary movement of money within J.P. Morgan accounts has occurred. It's no longer under the control of J.P. Morgan. |
|
|
The payment was returned by an external party, such as a clearinghouse or beneficiary bank. |
Transfer types
A transfer type identifies whether a payment is a credit or debit transfer. A credit transfer deposits money in a bank account. A debit transfer withdraws money from a bank account.
The following table contains each country’s supported transfer type or types for ACH:
Region |
Country |
Transfer type |
|---|---|---|
| EMEA | SEPA |
|
United Kingdom |
|
|
| LATAM | Chile |
Credit |
NA |
Canada |
|
United States |
|
Value-amount limits
A value-amount limit identifies the maximum amount of money permitted in a payment.
The following table contains each country’s supported value-amount limit or limits for ACH:
Region |
Country |
Value-amount limit |
|---|---|---|
| EMEA | SEPA |
999999999.99 |
United Kingdom |
20000000.00 |
|
| LATAM | Chile |
9999999999 |
NA |
Canada |
99999999.99 for CAD and USD payments |
United States |
|
Related
- For more information about ACH, see Overview.
- For more information about ACH credit payment parameters, see Payment parameters (credit).
- For more information about ACH debit payment parameters, see Payment parameters (debit).
Next steps
Learn how to initiate an ACH payment.